Aspects related to protecting data privacy using data-masking labels in systems providing request fulfillment by consortium are provided. A request fulfillment platform may train an analysis model to output smart contracts. The platform may receive an event processing request. The platform may identify a label corresponding to the event processing request. The platform may authenticate the event processing request based on the label. The platform may identify parameters of the event processing request based on information of a market corresponding to the event processing request. The platform may generate a complexity score for the event processing request based on inputting the label into the analysis model. The platform may generate an indication of whether fulfillment of the event processing request requires a consortium based on the complexity score. The platform may generate smart contracts based on the indication. The platform may send the smart contracts to a device.

Systems, methods and apparatus for a robotic process automation system for consolidating a set of loans are disclosed herein. An example system may include a set of data collection and monitoring services for collecting information about a set of loans and for collecting a training set of interactions between entities for a set of loan consolidation transactions; an artificial intelligence system that is trained on the training set of interactions to classify a set of loans as candidates for consolidation; and a robotic process automation system that is trained on a set of loan consolidation interactions to manage consolidation of at least a subset of the set of loans on behalf of a party to the consolidation.

A method for automatically avoiding failed customer payments with respect to electronic fund transfers may include receiving, by a facilitation agent, account transaction data associated with payments attempted with respect to a plurality of payment instruments for a plurality of customers, employing a machine learning platform to determine a predicted suitability rating for each of the plurality of payment instruments for the plurality of customers, transmitting a message to a selected one of the customers to provide an interface console with payment instrument options displayed based on the predicted suitability rating, and in response to selection of a payment instrument option by the selected one of the customers, modifying a payment source associated with a future payment to be made to a selected payment instrument associated with the selected payment instrument option.

A method for calculating and displaying an explainable financial value prediction and predicted income property valuation metrics of a subject property including one or more subject units by isolating and quantifying the effects of a plurality of financial value value components including location, size, operational characteristics, online reputation characteristics, age, and one or more physical features on financial values and property valuation metrics. The method includes quantifying an effect of adding physical features, operational characteristics and online reputation characteristics on financial value and property valuation metrics for a plurality of properties. The method further includes sorting, filtering and stratifying properties according to predicted income property valuation metrics.